HMDA Dataset Info¶
<class 'pandas.core.frame.DataFrame'> Index: 3533892 entries, 0 to 4456613 Data columns (total 19 columns): # Column Dtype --- ------ ----- 0 race object 1 sex object 2 co_applicant object 3 age object 4 income float64 5 loan_amount int64 6 property_value_ratio float64 7 mortgage_term object 8 debt_to_income_ratio object 9 combined_loan_to_value_ratio float64 10 tract_to_metro_income_percentage object 11 white_population_pct float64 12 metro_name object 13 metro_code object 14 metro_size_percentile object 15 state_code object 16 county_code object 17 census_tract object 18 loan_outcome object dtypes: float64(4), int64(1), object(14) memory usage: 539.2+ MB None
| race | sex | co_applicant | age | income | loan_amount | property_value_ratio | mortgage_term | credit_model | debt_to_income_ratio | combined_loan_to_value_ratio | main_underwriter | tract_to_metro_income_percentage | lender_type | lender_size | white_population_pct | metro_name | metro_code | metro_size_percentile | state_code | county_code | census_tract | loan_outcome | lender_id | fips | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1049171 | White | Male | Co-applicant | 45 through 54 | 193.0 | 285000 | 1.595 | 30 year mortgage | TransUnion | Healthy (<36%) | 74.026 | Desktop Underwriter | Middle (80-120%) | Independent Mortgage Companies | 20250 | 70.670827 | Charlotte-Concord-Gastonia, NC-SC | 16740 | 90th percentile | 37 | 179 | 37179020401 | Loan originated (approved) | 5493008VVXQIDO1EZ460 | 37179 |
| 2604596 | White | Male | Co-applicant | 35 through 44 | 267.0 | 635000 | 2.504 | 30 year mortgage | Experian | Healthy (<36%) | 95.000 | Not Applicable | Moderate (50-80%) | Banks | 23714 | 83.340223 | Madison, WI | 31540 | 70th percentile | 55 | 025 | 55025011101 | Loan originated (approved) | ZF85QS7OXKPBG52R7N18 | 55025 |
| 2314423 | Latino | Male | No co-applicant | 25 through 34 | 60.0 | 195000 | 0.451 | Less than 30 years | Equifax | Unmanageable (43-49%) | 80.000 | Desktop Underwriter | Moderate (50-80%) | Banks | 3361 | 18.705784 | New York-Jersey City-White Plains, NY-NJ | 35614 | 99th percentile | 36 | 081 | 36081094202 | Loan denied | 549300IRXW9RSZM2B951 | 36081 |
Mortgage outcomes in HMDA data¶
Applicant Characteristics¶
What leads to loan denials?¶
Are disparities focused in any geographic areas?¶
Denial rates in the Chicago metropolitan area:¶
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Index(['STATEFP', 'COUNTYFP', 'TRACTCE', 'AFFGEOID', 'GEOID', 'NAME', 'LSAD',
'ALAND', 'AWATER', 'geometry', 'loan_outcome', 'denial_rate',
'num_applicants', 'white_population_pct'],
dtype='object')